BlastPoint's Banking Scorecard
Milford Building and Loan Association
Micro
Specialty: Mortgage
IL
FDIC cert 30152
Designations: ✓ Community bank ✓ Mutual
Milford, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Milford Building and Loan Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.74% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.39% below tier
- - Delinquency Rate 4.69% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Nonperforming Asset Ratio 3.11% above tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.4M
+1.8% YoY
-1.2% QoQ
|
-$190.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$18.3M
+0.1% YoY
+0.0% QoQ
|
-$120.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$23.9M
+1.8% YoY
-1.2% QoQ
|
-$159.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.32%
+4.0% YoY
+41.8% QoQ
|
-0.77% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.47%
+4.9% YoY
+2.7% QoQ
|
-1.39% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
78.48%
-1.0% YoY
-4.4% QoQ
|
+10.75% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
5.33%
+43.3% YoY
+14.9% QoQ
|
+4.69% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
76.70%
-1.6% YoY
+1.3% QoQ
|
+2.17% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
3.56%
+41.0% YoY
+16.4% QoQ
|
+3.11% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
24.59%
+0.6% YoY
+0.8% QoQ
|
+15.74% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.08%
+80.1% YoY
+17.2% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.59%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (5)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.47%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.33%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.56%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Tier 1 Capital Ratio
Current: 24.59% · Tier avg: 8.85%
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.70% · Tier avg: 74.53%
23
23th pctile
Efficiency Ratio
Current: 78.48% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
6
6th pctile
Total Loans
Current: $18.3M · Tier avg: $139.2M
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
5
5th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.85%
4
4th pctile
Total Deposits
Current: $23.9M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $27.4M · Tier avg: $217.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 5.33% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.56% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.56% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.33% · Tier avg: 0.64%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Total Assets
Current: $27.4M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $23.9M · Tier avg: $183.7M
5
5th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
6
6th pctile
Total Loans
Current: $18.3M · Tier avg: $139.2M
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
23
23th pctile
Efficiency Ratio
Current: 78.48% · Tier avg: 67.73%
49
49th pctile
Loan-to-Deposit Ratio
Current: 76.70% · Tier avg: 74.53%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.59% · Tier avg: 8.85%